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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $69,838 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,974 | $76,112-19.9% | $96,534-36.8% | $71,511-14.7% |
| Participation rate | 68.5% | 74.4%-5.9pp | 76.0%-7.5pp | 67.9%+0.6pp |
| Annual return | 13.58% | 22.81%-9.2pp | 25.88%-12.3pp | 28.86%-15.3pp |
| Employer contribution / active EE | $1,515 | $2,248-32.6% | $2,965-48.9% | $2,589-41.5% |
| Participant deferral / active EE | $3,048 | $4,217-27.7% | $4,851-37.2% | $4,291-29.0% |
| Admin fee / account holder | $341 | $2,708-87.4% | $8,253-95.9% | $1,588-78.6% |